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Fourchette du Jour
38,83 €
39,86 €
Fourchette 52 Semaines
29,52 €
47,27 €
Volume
3 193 544
Moyenne 50J / 200J
41,06 €
/
40,54 €
Clôture Précédente
38,43 €
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (854 pairs)
| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 14,2 | 10,3 |
| P/B | 0,8 | 1,1 |
| ROE % | 5,8 | 11,7 |
| Net Margin % | 7,0 | 16,8 |
| Rev Growth 5Y % | 3,3 | 11,7 |
| D/E | 1,4 | 0,5 |
Objectif de Cours des Analystes
Hold
51,40 €
+31.1%
Low: 42,00 €
High: 57,00 €
P/E Prévisionnel
7,5
BPA Prévisionnel
5,26 €
Croissance BPA (est.)
+0,0%
CA Est.
9 B
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2028 |
7,09 €
5,61 € – 7,94 €
|
10 B | 3 |
| FY2027 |
6,33 €
5,68 € – 6,68 €
|
9,6 B | 12 |
| FY2026 |
5,26 €
4,08 € – 5,66 €
|
9 B | 12 |
Points Clés
Revenue grew 3,25% annually over 5 years — modest growth
Earnings grew 27,54% over the past year
Negative free cash flow of -647,00M
P/E of 14,23 — trading at a low valuation
PEG of 0,53 suggests growth is underpriced
Revenue growth is decelerating — 1Y growth trails 5Y average by 29,00%
Croissance
Revenue Growth (5Y)
3,25%
Revenue (1Y)-25,75%
Earnings (1Y)27,54%
FCF Growth (3Y)N/A
Qualité
Return on Equity
5,80%
ROIC2,12%
Net Margin7,01%
Op. Margin8,65%
Sécurité
Debt / Equity
1,40
Current Ratio0,90
Interest Coverage0,16
Valorisation
P/E Ratio
14,23
P/B Ratio0,78
EV/EBITDA22,70
Dividend Yield0,03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | -25,75% | Revenue Growth (3Y) | -12,75% |
| Earnings Growth (1Y) | 27,54% | Earnings Growth (3Y) | -5,65% |
| Revenue Growth (5Y) | 3,25% | Earnings Growth (5Y) | -27,36% |
| Profitability | |||
| Revenue (TTM) | 12,15B | Net Income (TTM) | 852,00M |
| ROE | 5,80% | ROA | 0,43% |
| Gross Margin | 51,98% | Operating Margin | 8,65% |
| Net Margin | 7,01% | Free Cash Flow (TTM) | -647,00M |
| ROIC | 2,12% | FCF Growth (3Y) | N/A |
| Safety | |||
| Debt / Equity | 1,40 | Current Ratio | 0,90 |
| Interest Coverage | 0,16 | Dividend Yield | 0,03% |
| Valuation | |||
| P/E Ratio | 14,23 | P/B Ratio | 0,78 |
| P/S Ratio | 1,00 | PEG Ratio | 0,53 |
| EV/EBITDA | 22,70 | Dividend Yield | 0,03% |
| Market Cap | 12,12B | Enterprise Value | 23,86B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 12,15B | 16,37B | 15,97B | 12,10B | 10,69B |
| Net Income | 852,00M | 668,00M | 957,00M | 1,71B | 3,06B |
| EPS (Diluted) | 2,37 | 1,80 | 2,78 | 5,03 | 8,22 |
| Gross Profit | 6,32B | 6,73B | 7,10B | 7,84B | 8,54B |
| Operating Income | 1,05B | 836,00M | 1,10B | 2,34B | 3,86B |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 196,00B | 191,84B | 196,33B | 191,83B | 182,11B |
| Total Liabilities | 180,50B | 177,93B | 182,63B | 178,97B | 165,06B |
| Shareholders' Equity | 15,50B | 13,90B | 13,70B | 12,86B | 17,05B |
| Total Debt | 21,77B | 19,23B | 20,98B | 20,30B | 17,20B |
| Cash & Equivalents | 10,03B | 10,29B | 6,95B | 5,57B | 5,06B |
| Current Assets | 147,39B | 30,54B | 27,78B | 32,16B | 39,17B |
| Current Liabilities | 163,43B | 154,59B | 159,33B | 155,54B | 142,35B |